scholarly journals Factors Influencing the Preference of Customers Towards Islamic Banking: Evidence from Malaysia

2020 ◽  
Vol 3 (1) ◽  
pp. 48-67
Author(s):  
Qosdan Dawami
Keyword(s):  
Data Analysis ◽  
Service Quality ◽  
Direct Relationship ◽  
Quantitative Approach ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Customer Behaviour ◽  
Factors Influencing ◽  
Other Hand

The purpose of this research is to investigate the pivotal determinants influencing the consumer’s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual’s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service quality offered by Islamic banks. This study utilized quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service quality offered by Islamic banks are the major determinants influencing the customers’ behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to choose its products and services.Keywords – Islamic banking, Religiosity, Customer behaviour and Shariah Compliance.

scholarly journals Assessing the Impact of Service Quality on Consumers Satisfaction: A Comparative Study of Commercial vs Islamic Banks in Pakistan

2018 ◽  
Vol 11 (2) ◽  
pp. 219
Author(s):  
Muhammad Waqas Yousuf ◽  
Farhan Ahmed ◽  
Suman Talreja
Keyword(s):  
Service Quality ◽  
Commercial Banks ◽  
Banking System ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Customer Expectation ◽  
Other Hand ◽  
Quality Dimensions ◽  
The Impact

<p>This study aims to show the path that Islamic banking follows of Sharia’ h while on the other hand commercial banks obeys commercial regulations and rules for the purpose of banking. The main objective of the Islamic banking is to offer interest free services and products which obeys the path of Sharia’ h and Islamic banking system makes transaction on the foundation of profit and loss, while on the other hand commercial banks are business oriented banks. The sampling method used in this research was convenience sampling with a sample size of 200 which were the customers of the banks and the research design of the questionnaire used was exploratory The questionnaire was distributed in 4 banks 2 commercial and 2 Islamic banks respectively. Dependent variables are ‘customer expectation and perception’ while on the other hand independent variable that are used this research are ‘reliability, assurance, tangibles, empathy and responsiveness. The results which are derived from this research shows a negative or less impact of two service quality dimensions on both banks which are Assurance and Empathy. The highest perceived service dimension is “Reliability,” that refers to the reliability of their products and promise to provide the best service quality to their customers. While the lowest perceived service was observed towards “Empathy,” the other two dimension with highest value are tangibility and responsiveness which means that customers’ of both commercial and Islamic banks like tangible service and the quick responsiveness towards providing them the best service.</p>

scholarly journals Examining the Nexus between Riba and Gharar, and Islamic Banking Products Among Zanzibar People

2021 ◽  
pp. 27-34
Author(s):  
Hamad Mohammed Shkeily ◽  
Naziruddin Abdullah
Keyword(s):  
Hypothesis Test ◽  
Reliability And Validity ◽  
Income Level ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Other Hand ◽  
The People ◽  
Conventional Banks

This paper aims at examining the nexus between riba, gharar and income level, and Islamic Banking Products among Zanzibar people. The Islamic bank products such as Murabahah, Musharakah, Mudarabah, Ijarah, Hawalah, Takaful and Sukuk were considered as independent variables for this study. On the other hand, the dependent variables investigated were three (3) namely riba, gharar and income level. A total of 116 respondents consisting of Zanzibar people residing in different districts responded to the survey questionnaire via google form. The study used statistical techniques to analyse the collected data in terms of demographic, descriptive, reliability and validity analysis and presented by charts, tables and curves. The hypothesis test has been conducted using correlation analysis. Statistically, the finding revealed that, the people of Zanzibar were against Riba but in favour of Murabahah, Musharakah, Mudarabah, Ijarah, Hawalah, Takaful and Sukuk with p≤0.01. The result also revealed that the people of Zanzibar were against gharar with p≤0.01. On the other hand, income level showed a significant correlation against Mudarabah, Ijarah, Hawalal, Takaful and Sukuk as p≤0.01. These findings suggest that the products and services of Islamic banks have a significant relationship with Riba, Gharar and level of income for Islamic banks’ shariah priority. It is also shown that riba and gharar were significantly impacted the people of Zanzibar for the influence on the acquisition of Islamic bank facilities which are vital on direct effects that attract customers and investors in which they are customised from conventional banks products. As the awareness level from these Islamic products are high, it is recommended that Islamic banks should focus in designing Islamic banks products (Murabahah, Musharakah, Mudarabah, Ijarah, Hawalah, Takaful and Sukuk) that will comply with Shariah requirement.

scholarly journals PENGARUH PROMOSI DI INSTAGRAM DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN NASI PENGGODA SECARA ONLINE MELALUI OJEK ONLINE (OJOL) PADA MASA KARANTINA COVID-19 DI KOTA PONTIANAK

2020 ◽  
Vol 10 (2) ◽  
pp. 118
Author(s):  
Muliani Muliani ◽  
Faradina Inda Wardhani
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Service Quality ◽  
Multiple Regression ◽  
Research Method ◽  
The Other ◽  
Purchase Decision ◽  
Direct Influence ◽  
Other Hand ◽  
The Relationship

The purpose of this research was to investigate the direct influence of promotion and service quality on purchase decision to order Nasi Penggoda via Ojek Online (Ojol) during the Covid-19 quarantine period in Pontianak.  The research method was carried out causally by measuring the strength of the relationship between two or more variables. Through the distribution of interviews and questionnaires (Google Form),a total of 85 respondents were randomly selected for data collection. Multiple regression was used when conductiong data analysis from the said responses.  The results of this research carried out, the hypothesis was clearly accepted. It proved that both promotion (X1) and service quality (X2) influenced simultaneously and partially to purchase decision on ordering Nasi Penggoda through Ojek Online (Ojol).  On the other hand, partial research variables showed that service quality dominates more than promotion on the making of purchase decision.

scholarly journals Analisis Pendapatan Non Halal Perbankan Syariah Di Indonesia: Sumber Dan Penggunaannya

2019 ◽  
Vol 4 (2) ◽  
pp. 159
Author(s):  
Rudy Hartanto ◽  
Irena Paramita Pramono ◽  
Pupung Purnamasari
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Banking Industry ◽  
Total Sample ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Other Hand ◽  
Data Documentation

The existence of the regulation for Islamic banking causes it to conduct its activities by the guidance of Islamic principles which avoid some non-halal sources of income. On the other hand, the transactions between Islamic banking and conventional banking are unavoidable because conventional financial institutions still dominate all transactions in each country. This means that non-halal sources of income cannot be avoided, by the way of the transaction is done. This research aims to analyze on the sources of income and its distribution of the non-halal funds of Islamic Banks in Indonesia. This research is quantitative. The method of collecting data documentation uses data from 2015-2017 with a total sample of 102 Islamic banks. The results show that there were differences in the average non-halal funds of Islamic Commercial Banks with Islamic Business Unit Bank. In addition, this study shows that Islamic commercial bank tends to have non-halal funds bigger than Islamic Business Unit Bank. On the other hand, the result shows that non-halal funds sources in the banking industry are dominated by interest income from another conventional bank and the using of non-halal funds is dominated by social activities.

Pendapatan Non Halal Perbankan Syariah di Indonesia: Analisis Sumber dan Penggunaannya

2019 ◽  
Vol 4 (2) ◽  
pp. 51
Author(s):  
Rudy Hartanto ◽  
Irena Paramita Pramono ◽  
Pupung Purnamasari
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Banking Industry ◽  
Total Sample ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Other Hand ◽  
Data Documentation

The existence of the regulation for Islamic banking causes it to conduct their activities by the guidance of Islamic principles which avoid some non-halal sources of income. On the other hand, the transactions between Islamic banking and conventional banking are unavoidable because conventional financial institutions still dominate all transactions in each country. Means that non-halal sources of income cannot be avoided, by the way of the transaction is done. This research aims to analyze the sources of income and its distribution of the non-halal funds of Islamic Banks in Indonesia. This research is quantitative. The method of collecting data documentation uses data from 2015-2017 with a total sample of 102 Islamic banks. The results show that there were differences in the average non-halal funds of Islamic Commercial Banks with Islamic Business Unit Bank. In addition, this study shows that Islamic commercial bank tends to have non-halal funds bigger than Islamic Business Unit Bank. On the other hand, the result shows that non-halal funds sources in the banking industry are dominated by interest income from another conventional bank and the using of non-halal funds is dominated by social activities.

scholarly journals The effect of opening excuses on banking services in Islamic banks

2020 ◽  
Vol 9 (3) ◽  
pp. 902
Author(s):  
Mutlaq Saad Al-Hajri
Keyword(s):  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Banking Services ◽  
Other Hand ◽  
The One ◽  
The Masses ◽  
Financial Transactions ◽  
The Impact

This research examines a topic related to the principles of jurisprudence on the one hand, and contemporary financial transactions on the other hand, especially with regard to banking services in Islamic banks, where it deals with the topic (The Impact of Opening Excuses on Islamic Banking Services). The research included two topics, and it came out, indicating the effect of opening the excuses in the business and banking services in Islamic banks of different forms, especially since the need in our time for these banking services is necessary, so that the masses of the Muslim community are hardly indispensable, which requires looking at them according to the purposes of the Sharia and taking into account the need People, while preserving the principles and principles of Sharia. Then the conclusion came, and it included the most important results of the study.

PENGARUH ABILITY, BENEVOLENCE DAN INTEGRITY TERHADAP TRUST, SERTA IMPLIKASINYA TERHADAP PARTISIPASI PELANGGAN E-COMMERCE: STUDI KASUS PADA PELANGGAN E-COMMERCE DI UBM

2017 ◽  
Vol 2 (2) ◽  
pp. 155-168 ◽  
Author(s):  
David Wong
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Structural Equation Model ◽  
Structural Equation ◽  
Likert Scale ◽  
Equation Model ◽  
The Other ◽  
Predictor Variables ◽  
Analysis Method ◽  
Other Hand

This research aims at analyzing (1) the effect of vendor’s ability, benevolence, and integrity variables toward e-commerce customers’ trust in UBM; (2) the effect of vendor’s ability, benevolence, and integrity variables toward the level of e-commerce customers’ participation in Indonesia; and (3) the effect of trust variable toward level of e-commerce customers participation in UBM. This research makes use of UBM e-commerce users as research samples while using Likert scale questionnaire for data collection. Furthermore, the questionnaires are sent to as many as 200 respondents. For data analysis method, Structural Equation Model was used. Out of three predictor variables (ability, benevolence, and integrity), it is only vendor’s integrity that has a positive and significant effect on customers’ trust. On the other hand, it is only vendor’s integrity and customer’s trust that have a positive and significant effect on e-commerce customers’ participation in UBM. Keywords: e-commerce customers’ participation, ability, benevolence, integrity

PENGARUH TRUST, PRICE DAN SERVICE QUALITY TERHADAP INTENTION TO PURCHASE PELANGGAN BHINNEKA.COM

2017 ◽  
Vol 2 (3) ◽  
pp. 391-400
Author(s):  
Rianto Nurcahyo ◽  
Dennis Andry ◽  
Kevin Kevin
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Service Quality ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Positive Influence ◽  
Quantitative Approach ◽  
Analysis Method ◽  
Intention To Purchase ◽  
Trust Intention

The purpose of this study is to identify and understand the factors that can influence the intention to purchase through trust, price, and service quality on consumers Bhinneka.com. This research uses quantitative approach by distributing questionnaires to 100 respondents Bhinneka.com. Data analysis method used in this research is simple and multiple regression analysis. The result shows that the three variables used have a positive influence on intention to purchase variable. The most dominant variables in explaining the variation of intention to purchase are service quality variable of 35.5%, the price of 17.2%, and trust of 24.6%. Keywords: service quality, price, trust, intention to purchase

Loyalty towards Islamic banking: service quality, emotional or religious driven?

2019 ◽  
Vol 11 (1) ◽  
pp. 66-80 ◽  
Author(s):  
Dwi Suhartanto ◽  
Christopher Gan ◽  
Ira Siti Sarah ◽  
Setiawan Setiawan
Keyword(s):  
Service Quality ◽  
Customer Loyalty ◽  
Structural Equation ◽  
Islamic Banking ◽  
Emotional Attachment ◽  
Islamic Banks ◽  
Content Type ◽  
Perceived Service Quality ◽  
Islamic Bank ◽  
Bank Managers

Purpose This paper aims to integrate and examine three loyalty routes (i.e. service quality, emotional attachment and religiosity) in developing customer loyalty towards Islamic banking. Design/methodology/approach Data were collected from 412 Islamic bank customers from Indonesia. Variance-based structural equation modelling was applied to evaluate the association between service quality, emotional attachment, religiosity and customer loyalty. Findings This study reveals that customer loyalty is more driven by emotional attachment and religiosity rather than by perceived service quality. Although not directly affecting customer loyalty, service quality strengthens customer satisfaction towards Islamic banks. Practical implications This study provides an opportunity for Islamic bank managers to increase their customer loyalty through the development of emotional attachment and religiosity. To improve customer loyalty, this study suggests that Islamic banks have to provide prompt, accurate and non-personal service. It is also important for Islamic bank managers to keep the bank operation compliant with the Sharia law. Originality/value This study is the first attempt to assess the three loyalty routes simultaneously in influencing customer loyalty.

Identifying the gaps between customer expectations and perceptions on service quality dimensions of Islamic banks in Malaysia

2015 ◽  
Vol 7 (4) ◽  
pp. 424-441 ◽  
Author(s):  
Rafikul Islam ◽  
Selim Ahmed ◽  
Dzuljastri Abdul Razak
Keyword(s):  
Service Quality ◽  
Age Groups ◽  
Educational Background ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Customer Expectations ◽  
Banking Service ◽  
Significant Difference

Purpose – This paper aims to identify the gaps and differences between customer expectations and perceptions on service quality of Islamic banks in Malaysia based on six dimensions of service quality, namely, reliability, responsiveness, assurance, empathy, tangibles and Islamic Shari’ah compliance. Design/methodology/approach – This study surveyed 179 customers who have first-hand experience with Islamic banking services in Malaysia. The research data were analysed using reliability analysis, independent samples t-test and one-way analysis of variance. Findings – The results indicated that customers’ perceptions failed to meet their expectations on the service quality of Islamic banks in Malaysia. The results also indicated that those customers (respondents) aged below 30 years have higher expectations on empathy from the Islamic banking service compared to other age groups. However, there is no significant difference between customer expectations and perceptions of Islamic banking service quality based on educational background and occupation. Research limitations/implications – This research focused solely on Islamic banks in Malaysia and thus the results might not be applicable for other conventional banks. Originality/value – The findings are expected to provide guidelines for enhancing the satisfaction level of clients of the Islamic banking system in Malaysia and other countries.

Sign in / Sign up

Export Citation Format

Share Document